The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,973
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,781
−HK$821/mo
Today · 4.125%
HK$27,602
baseline
▲ 0.50% · 4.625%
HK$29,281
+HK$1,679/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,204/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,895
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,670
−HK$786/mo
Today · 4.125%
HK$30,456
baseline
▲ 0.50% · 4.625%
HK$32,061
+HK$1,605/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,912/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,168
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,137
−HK$985/mo
Today · 4.125%
HK$33,122
baseline
▲ 0.50% · 4.625%
HK$35,138
+HK$2,016/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$66,244/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,674
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,604
−HK$943/mo
Today · 4.125%
HK$36,547
baseline
▲ 0.50% · 4.625%
HK$38,474
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$73,094/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,362
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,493
−HK$1,150/mo
Today · 4.125%
HK$38,643
baseline
▲ 0.50% · 4.625%
HK$40,994
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,286/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,453
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,538
−HK$1,100/mo
Today · 4.125%
HK$42,638
baseline
▲ 0.50% · 4.625%
HK$44,886
+HK$2,248/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,276/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,752
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,206
−HK$1,477/mo
Today · 4.125%
HK$49,683
baseline
▲ 0.50% · 4.625%
HK$52,706
+HK$3,023/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,366/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,011
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,406
−HK$1,415/mo
Today · 4.125%
HK$54,821
baseline
▲ 0.50% · 4.625%
HK$57,710
+HK$2,889/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,642/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,141 · Scale 2, in force from 26 Feb 2026)